About our Mortgage Services

Locate Address

Locate Mortgages Ltd,
Mill One,
Pleasley Vale Business Park,
Pleasley,
Mansfield,
Nottinghamshire,
NG19 8RL

The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
1. Whose mortgages do we offer?
	We offer mortgages from the whole market.
	We can only offer mortgages from a limited number of lenders. Ask us for a list of the lenders we offer mortgages from.
	We can only offer a limited range of mortgages from a single lender.
2. Which service will we provide you with?
	We will advise and make a recommendation for you after we have assessed your needs.
	You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
3. What will you have to pay us for this service?
	No fee, we will be paid by commission from the lender.
	A fee payable at the outset and payable when you apply for a mortgage.
You will receive a key facts illustration, which will tell you about any fees relating to a particular mortgage.
4. Who regulates us? Locate Mortgages Ltd is an appointed representative of Sesame Limited, Oasis Park, Stanton Harcourt Road, Eynsham, Witney, Oxon OX29 4AE which is authorised and regulated by the Financial Services Authority. Sesame Limitedís FSA registration number is 150427. Sesame Limitedís permitted business is advising on and arranging mortgages. You can check this on the FSA's Register by visiting the FSAís website www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.
6. What to do if you have a complaint If you wish to register a complaint, please contact us: Write to: The Disputes Team, Sesame Limited, Oasis Park, Stanton Harcourt Road, Eynsham, Witney, Oxon OX29 4AE by phone : 0870 0401983 If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
7. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Mortgage advising and arranging is covered for 100% of the first £30,000 and 90% of the next £20,000 so the maximum compensation is £48,000. Further information about compensation scheme arrangements is available from the FSCS.